Top 11 Best Loan Apps Without ATM Card in Nigeria 2025

Do you need reliable loan apps that doesn’t require inputting your ATM card or any form of card binding to a lending app? In this article, I will be discussing the top 10 loan applications that can serve that purpose in Nigeria. Please abstain from taking loans from fake loan apps that access your phone database including ATM card and send shame and defamatory messages to your contacts.

ATM is the short name for Automated Teller Machine is an electronic machine that allows the use of bank cards which are called ATM cards or debit cards for withdrawing cash or to facilitate electronic payment or online banking transactions through a financial institution or a payment gateway.

If a bank allows its debit card card, you can also make deposits into an account with the card during and outside regular business banking hours. The ATM card can also be used to set up automatic debit to an account and it always requires a PIN (Personal Identification Number) before it can be executed.

Best 11 Loan Applications Without ATM Card in Nigeria 2025

The most popular loan apps without ATM card in Nigeria are Branch loan app, FairMoney loan app, Okash loan app, PalmCredit loan app, Aella Credit App, QuickCredit loan app and Specta loan application. These online loan applications approve rapid loan without asking for your ATM card, debit card or card binding of any type. Cash loan can be obtained within few minutes once your request is submitted.

1. Branch Loan App

Branch is one of the best loan apps that doesn’t require ATM card in Nigeria or any form of debit card for loan processing. The popular loan app approves fast loan without card binding making it easy for borrowers to get loan up to ₦500,000 without any form of collateral.

• Loan Amount: From ₦1,500 to ₦500,000
• Interest Rate: 15% – 34%
• Loan Tenure: 1 – 12 months
• Features: Branch is an online loan without an ATM card that offers instant approval and flexible repayment options.
• Pros and Cons: Quick processing but might have higher interest rates for shorter tenures.
• User Reviews: Based on our research, many users appreciate the convenience of getting a loan without an ATM card.

2. Money in Minutes Loan App

With Money In Minutes Loan, you can get your loan approved without ATM card and cash disbursed to your bank account just within few minutes after your loan application.

• Loan Amount: ₦1,000 to ₦2,000,000
• Interest Rate: 3% – 10%
• Loan Tenure: 62 to 720 Days
• Features: Specializing in quick, small loans without an ATM card in Nigeria.
• Pros and Cons: Excellent for emergencies but not suitable for larger financial needs.
  User Reviews: Praises for speedy service but some concerns over high interest for very short tenures.

3. Aella Credit Loan App

Aella Credit is yet another leading digital loan application in Nigeria that does not require debit card or ATM card details submission. Aella Credit app has a monthly interest rate of 2% to 20% and APR of 22% to 264% per year. Loan amount ranges from N2,000 to N1,500,000 while monthly payments range between 2 months to 12 months.

• Loan Amount: ₦100,000 to ₦5,000,000
• Interest Rate: 6% – 20%
• Loan Tenure: 1 – 3 months
• Features: Aella Credit offers a straightforward process for those seeking a loan app in Nigeria without an ATM card.
• Pros and Cons: Flexible terms but might require a good credit score.
• User Reviews: Mostly positive, with users praising the hassle-free process.

4. QuickCredit Loan App

Quick Credit is one of the most popular loan apps without ATM card in Nigeria that provides lending services between N1,500 to N50,000.. With simple steps and minimal documentation, users can get qualified loan products which is 100% online process. Once approved, the loan amount will be immediately transferred to the applicant’ s bank account.

5. Fairmoney Loan App

FairMoney is one of the best lending platform that approve quick loan without ATM card or debit card. Loan amounts range between ₦1,500 to ₦1,000,000 with repayment periods from 61 days to 18 months at monthly interest rates that range from 2.5% to 30% (APRs from 30% to 260%).

• Loan Amount: ₦1,500 to ₦1,000,000
• Interest Rate: 2.5% – 30%
• Loan Tenure: 1 to 18 months
• Features: This online loan without an ATM card offers instant approval and simple repayment methods.
• Pros and Cons: Excellent customer support but may have higher interest rates for short-term loans.
• User Reviews: Regular users appreciate Fairmoney for its simplicity and ease of access.

6. Umba Loan App

With Umba, you can borrow instant loan without ATM card binding in Nigeria and repay loans directly from your smartphone or desktop computer. Once an individual is verified, the loan app can make lending decisions within few minutes. Umba app is hosted on google play store and it does not require any collateral or documentation to access its quick loan.

7. Renmoney Loan App

Renmoney is one of the very best lending apps without debit card in Nigeria. With Renmoney, you can apply for a convenient loan up to N6,000,000 to meet urgent or working capital for growing your small business, renovating your home, buying a new car, paying rent, school fees, medical bills.

8. OKash Loan App

Okash is one of the popular loan app without ATM Card in Nigeria giving easy access to credit anytime, anywhere to Nigeria mobile users. With Okash, you can apply for a loan without binding your ATM Card, without paying processing fees, deposits or guarantees, and you can get up to N500,000.00 disbursed into your bank account within few minutes once your loan is approved.

9. GTB Quick Credit

Gtbank Quick Credit is the digital lending platform of the bank where account holders can apply for loan without ATM Card and get an instant cash between N10,000 and N5million disbursed into their account. Whether you are a salary earner or self-employed, you can get the cash loan instantly, up to N5million at an interest rate of 1.5% monthly and pay back over 6 – 12 months.

10. PalmCredit Loan App

Palmcredit is a top digital lender in Nigeria where you can borrow between N2,000 to N300,000 quick loan in less than 3 minutes without any form of collateral and without ATM Card. If your documentations are complete, you can get your disbursement within a few hours or even minutes. When your financial obligations are overwhelming you and the bills piling up, Palmcredit loan app can provide you with instant cash.

11. Specta loan app

Specta is an online lending platform that gives you loans up to N5 Million in one transaction all within 5 minutes! The unique thing about Specta instant loan is that you don’t need ATM card, debit card or card binding to access the platform’s instant loan anywhere you are in Nigeria.

What is the best app to borrow money in Nigeria?

Where can I borrow without Debit Card?

 There are different loan websites and applications you use to take a quick loan without inputing your ATM card details and they include:

• • OKash
  • Branch
  • PalmCredit
  • CarrotPay

Can I get a loan without ATM Card Verification?

 Yes, it is possible for you to get a loan without a BVN verification. However, these loan providers would ask for something that can prove your finances such as a previous statement of account.

Conclusion

From our independent investigations and reviews, Money in minutes gives fastest loans in Nigeria, with requests getting approval within few minutes. The platform is managed by MIM Finance Company is a UK-originated lending platform with presence across three (3) continents and Nigeria’s 1st Credit Membership that gives access to quick and affordable quick online loans. Loans From Money in Minutes range between ₦5,000 – ₦5m. Interest Rates could be as low as 3%.